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學習快評丨qibao666888　　根??(gen)據(jù)??(ju)我??(wo)國??(guo)刑??(xing)法??(fa)第??(di)一??(yi)百?(bai)九??(jiu)十??(shi)二??(er)條??(tiao)規(guī)??(gui)定??(ding)??，以??(yi)非??(fei)法??(fa)占??(zhan)有??(you)為??(wei)目??(mu)的??(de)??，使??(shi)用??(yong)詐??(zha)騙??(pian)方?(fang)法??(fa)非??(fei)法??(fa)集??(ji)資?(zi)??，數(shù)??(shu)額??(e)較??(jiao)大??(da)的??(de)??，處??(chu)三??(san)年??(nian)以?(yi)上??(shang)七?(qi)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他??(ta)嚴??(yan)重??(zhong)情??(qing)節(jié)??(jie)的?(de)??，處??(chu)七??(qi)年?(nian)以??(yi)上??(shang)有??(you)期??(qi)徒??(tu)刑??(xing)或??(huo)者??(zhe)無??(wu)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)或??(huo)沒??(mei)收??(shou)財??(cai)產(chǎn)??(chan)??。??第??(di)一??(yi)百??(bai)七??(qi)十??(shi)六??(liu)條??(tiao)規(guī)??(gui)定??(ding)??，非??(fei)法??(fa)吸?(xi)收??(shou)公??(gong)眾?(zhong)存??(cun)款??(kuan)或??(huo)者??(zhe)變??(bian)相??(xiang)吸??(xi)收??(shou)公??(gong)眾??(zhong)存??(cun)款??(kuan)??，擾??(rao)亂??(luan)金??(jin)融?(rong)秩??(zhi)序??(xu)的??(de)??，處??(chu)三??(san)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑?(xing)或??(huo)者??(zhe)拘??(ju)役?(yi)??，并??(bing)處??(chu)或??(huo)單??(dan)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他?(ta)嚴??(yan)重?(zhong)情??(qing)節(jié)??(jie)的??(de)??，處??(chu)三??(san)年??(nian)以?(yi)上??(shang)十??(shi)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)特??(te)別??(bie)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他??(ta)特??(te)別??(bie)嚴??(yan)重??(zhong)情?(qing)節(jié)??(jie)的??(de)??，處??(chu)十??(shi)年??(nian)以??(yi)上??(shang)有??(you)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)??。根??(gen)據(jù)??(ju)《最??(zui)高??(gao)人??(ren)民??(min)法??(fa)院??(yuan)關(guān)??(guan)于??(yu)審??(shen)理??(li)非??(fei)法??(fa)集??(ji)資??(zi)刑??(xing)事??(shi)案??(an)件??(jian)具??(ju)體??(ti)應??(ying)用?(yong)法??(fa)律?(lv)若??(ruo)干??(gan)問??(wen)題??(ti)的??(de)解??(jie)釋??(shi)》??，如??(ru)果??(guo)集?(ji)資??(zi)后??(hou)不?(bu)用??(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營??(ying)活??(huo)動?(dong)或??(huo)者??(zhe)用??(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營??(ying)活??(huo)動??(dong)與??(yu)籌??(chou)集??(ji)資??(zi)金??(jin)規(guī)??(gui)模??(mo)明??(ming)顯??(xian)不??(bu)成??(cheng)比??(bi)例??(li)??，致??(zhi)使??(shi)集??(ji)資??(zi)款??(kuan)不??(bu)能??(neng)返??(fan)還??(hai)的??(de)；肆??(si)意??(yi)揮??(hui)霍??(huo)集??(ji)資??(zi)款??(kuan)??，致??(zhi)使??(shi)集??(ji)資??(zi)款??(kuan)不??(bu)能??(neng)返??(fan)還??(hai)等??(deng)情??(qing)形??(xing)??，可?(ke)認??(ren)定??(ding)為??(wei) “以??(yi)非??(fei)法??(fa)占??(zhan)有??(you)為??(wei)目??(mu)的??(de)”??，以??(yi)集??(ji)資??(zi)詐??(zha)騙??(pian)罪??(zui)定??(ding)罪??(zui)處??(chu)罰??(fa)??。　　為??(wei)了??(le)避??(bi)免??(mian)陷??(xian)入??(ru)“職??(zhi)業(yè)??(ye)閉??(bi)店??(dian)人??(ren)”的??(de)陷??(xian)阱??(jing)??，消??(xiao)費?(fei)者??(zhe)在??(zai)預??(yu)付?(fu)式??(shi)消??(xiao)費??(fei)時??(shi)??，要??(yao)提??(ti)高??(gao)防??(fang)范??(fan)風??(feng)險??(xian)的??(de)意??(yi)識??(shi)和??(he)維??(wei)護??(hu)自?(zi)身??(shen)合??(he)法??(fa)權(quán)??(quan)益??(yi)的??(de)能??(neng)力??(li)??。??另??(ling)一??(yi)方??(fang)面??(mian)??，商??(shang)家??(jia)平??(ping)臺??(tai)要??(yao)進??(jin)一??(yi)步??(bu)完??(wan)善?(shan)監(jiān)??(jian)管??(guan)制??(zhi)度??(du)??，建??(jian)立??(li)健??(jian)全?(quan)存??(cun)款??(kuan)保??(bao)險??(xian)制??(zhi)度??(du)??，保??(bao)障?(zhang)消??(xiao)費??(fei)者??(zhe)資??(zi)金??(jin)安??(an)全??(quan)；進??(jin)一??(yi)步??(bu)強??(qiang)化??(hua)經(jīng)??(jing)營??(ying)者??(zhe)的??(de)信??(xin)息??(xi)披??(pi)露??(lu)義??(yi)務(wù)?(wu)??，在??(zai)合??(he)同??(tong)簽??(qian)訂??(ding)前??(qian)以??(yi)書??(shu)面?(mian)形??(xing)式??(shi)提??(ti)供??(gong)詳??(xiang)盡?(jin)合?(he)同??(tong)條?(tiao)款??(kuan)??，并??(bing)在??(zai)官??(guan)方??(fang)網(wǎng)??(wang)站??(zhan)、營??(ying)業(yè)??(ye)場??(chang)所??(suo)顯??(xian)著??(zhu)位?(wei)置??(zhi)公??(gong)示??(shi)產(chǎn)??(chan)品?(pin)信??(xin)息??(xi)??，涵??(han)蓋??(gai)服??(fu)務(wù)??(wu)內(nèi)?(nei)容??(rong)、價??(jia)格??(ge)、退??(tui)款??(kuan)政??(zheng)策??(ce)等??(deng)關(guān)?(guan)鍵??(jian)信??(xin)息??(xi)??。。